How it works

A chargeback is the right to ask your bank to reverse a card payment. Visa and Mastercard each publish long rulebooks setting out which situations qualify, what evidence is expected, and how many days you have. ChargebackCheck reads your situation against those rules so you know where you stand before you pick up the phone.

1. You describe what happened

Five short steps: which network your card is on, what went wrong in your own words, the amount and the relevant dates, whether you contacted the merchant, and what you could produce in writing. It takes a couple of minutes. There is no account, and we never ask for a card number.

2. We match it to the right dispute type

Your description is classified into one specific reason code, for example goods not received, not as described, a duplicate charge, or a subscription billed after cancellation. Fraud is treated differently: if you never made the payment at all, we stop and tell you to call your bank immediately, because that is faster than any report.

3. Deadlines are calculated, not guessed

Every filing deadline is computed in code from the dates you gave us, not estimated by an AI. The conditions and time limits come from the official network documents, and each rule in our library cites the page it was taken from. This part is free, and it is the part that most often changes someone's plans, because a missed deadline ends a dispute no matter how good the story is.

4. The full report, if you want it

The analysis is free too: a Strong, Moderate, or Weak rating with the reasoning behind it, the exact dispute type and reason code, a checklist of the evidence you still need and how to obtain it, an honest preview of how the merchant's dispute team will fight back, your next steps in order, and a letter drafted for your bank's disputes department.

What we will not do

We do not invent a percentage chance of winning, and we do not tell you your case is strong when the rules say otherwise. If an exclusion applies, for example you agreed to a cancellation notice period and did not follow it, or you returned an item long outside the merchant's stated window, the report says so plainly and points you at the alternatives that might actually work. That is the whole point of checking first.